The Luna Institution

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A personal loan to pay off credit cards

  • Expert financial guidance
  • 24/7 Client support
Bridging Finance

Bridging Loans

As independent bridging finance brokers we have access to all the best lenders.
  • Fast turnaround
  • No broker fees
  • Loan terms from 1 to 24 months
  • Loans from $50,000 to $500 million
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Development Finance

Development Finance

Our specialist broker team have access to all the most competitive and flexible.
  • Fast funding
  • Flexible plans
  • No broker fees
  • Loans from $100,000 to $1 billion
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Secured Loans

Homeowner Loans

Secured loan advisors are very experienced in providing the best possible loan deals.
  • Loan from $5,000 to $2.5 million
  • Loan terms from 3 to 35 years
  • High LTV - Up to 100% Loan to Value
  • Adverse credit plans available
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The credit card that can help responsibly build credit

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4.9

99.8K Ratings
“We have a very pragmatic approach to lending and savings and saw a great match of culture and ethos in FinPoan.”
Kate Barton Founder and CEO at Gymdesk

Simple and speedy loan options

Applying for a loan is straightforward. We move quickly at each step so you can keep moving forward on your financial journey.
Easy to use tools

Conveniently pay your balance through our online portal

Fast funds

Funds may be deposited as soon as the next business day if approved.

Fixed interest rate

You don’t have to worry about it changing over the course of your loan.

Predictable payments

No surprises. You just make one simple monthly payment.

The personal touch

Questions? We’re happy to help. Reach out and talk to real folks.

Autopay your way

Set up recurring payments from your phone with the Avant Credit mobile app.

ESTABLISHED SINCE
10
TRUSTED CUSTOMERS
1 M+

We enable our customers to build great banking experiences that their customers love, in a faster and

more flexible about cor way than ever before.

Meet your financial needs. Find peace of mind​

A composable approach

Composable banking started here at The Luna Institution. We founded the company when we realised that legacy and inflexible core banking systems were a barrier to true financial innovation.

  • Microservices: Microservice-based architecture enables
  • API first: When all functionality is exposed via API
  • Cloud native: Leveraging full capabilities
  • Headless: The decoupled nature of headless applications
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Lending engine

The Luna Institution’s cloud-native lending engine enables banks, fintechs, retailers, corporates and others to build a variety of loan offerings tailored to customer needs. From embedded finance, buy now pay later and mortgages to SME lending and purchase financing.

  • Microservices: Microservice-based architecture enables
  • API first: When all functionality is exposed via API
  • Cloud native: Leveraging full capabilities
  • Headless: The decoupled nature of headless applications
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Deposits engine

With The Luna Institution, you get a dynamic deposits engine that can power a wide variety of deposit based offerings. Build a bank from scratch or take existing offerings digital first.

  • Microservices: Microservice-based architecture enables
  • API first: When all functionality is exposed via API
  • Cloud native: Leveraging full capabilities
  • Headless: The decoupled nature of headless applications
learn more

Why apply for a The Luna Institution personal loan?

Low rates

Low fixed rates that won't change over time, protecting you from rising interest rates.

No fees required

That means no origination fees required, no prepayment penalty fees and no late fees whatsoever.

Same day funding

Your funds could be available as quickly as the same day your loan is approved.

Our process is simple yet effective

Learn more about how we can help you in building your next generation of banking and financial experiences.
Interested in something else?
  • Register for the monthly demo to see our platform in action.
  • Submit your interest in becoming a technology partner.
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    Your burning question , answered

    If you’re new or looking for answers to your questions, this guide will help you learn more about our services and their features.
    Why should I care about financial planning?
    Financial planning is essential because it helps you achieve your financial goals and secure your financial future.
    There are different types of investment vehicles, such as stocks, bonds, mutual funds, and real estate, each carrying different
    The earlier you start saving, the longer your money can earn interest and grow.
    An emergency fund is cash that’s set aside to cover the cost of unexpected, and often expensive, events.
    What can I use a personal loan for?
    Many people apply for a low-interest personal loan to consolidate high-interest credit card debt.
    A personal loan is a loan offered by many banks, credit unions, or online personal loan lenders and typically range from $5K-$100K.
    Applying for personal loans online or at your financial institution will require meeting your lender’s criteria.
    The answer depends on a wide range of factors, which mainly includes the type of lender and your credit score.

    The Luna Institution